The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$15,868
−HK$995/mo
▼ 0.25% · 3.875%
HK$16,361
−HK$502/mo
Today · 4.125%
HK$16,863
baseline
▲ 0.50% · 4.625%
HK$17,889
+HK$1,026/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$33,726/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,653
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,126
−HK$480/mo
Today · 4.125%
HK$18,606
baseline
▲ 0.50% · 4.625%
HK$19,587
+HK$981/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$37,212/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,041
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,633
−HK$602/mo
Today · 4.125%
HK$20,235
baseline
▲ 0.50% · 4.625%
HK$21,467
+HK$1,232/mo
Deposit HK$2.78M · loan HK$4.18M · min. income ≈ HK$40,470/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,183
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,751
−HK$577/mo
Today · 4.125%
HK$22,328
baseline
▲ 0.50% · 4.625%
HK$23,505
+HK$1,177/mo
Deposit HK$2.78M · loan HK$4.18M · min. income ≈ HK$44,656/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,215
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$22,906
−HK$702/mo
Today · 4.125%
HK$23,608
baseline
▲ 0.50% · 4.625%
HK$25,044
+HK$1,436/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$47,216/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,714
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$25,376
−HK$673/mo
Today · 4.125%
HK$26,049
baseline
▲ 0.50% · 4.625%
HK$27,422
+HK$1,373/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$52,098/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,562
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$29,450
−HK$903/mo
Today · 4.125%
HK$30,353
baseline
▲ 0.50% · 4.625%
HK$32,200
+HK$1,847/mo
Deposit HK$696K · loan HK$6.26M · min. income ≈ HK$60,706/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$208,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,775
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$32,627
−HK$864/mo
Today · 4.125%
HK$33,491
baseline
▲ 0.50% · 4.625%
HK$35,257
+HK$1,766/mo
Deposit HK$696K · loan HK$6.26M · min. income ≈ HK$66,982/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$208,762 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).